Saving is hard. Putting a little bit of money aside every pay is difficult, especially if you don’t have a whole lot to begin with. Financial advice is always, “Stop doing anything that gives you joy,” which isn’t exactly great advice. Digit is a neat app that helps you save money by doing it for you.
So you’re not going to start depositing $3 in your savings account to save some cash, it would be more work and effort to do so than it was worth. Digit makes those microtransactions for you. It takes a little bit of money every day, nothing that you would miss, and deposits them in your savings account. It tracks your spending habits so that its’ sure not to overdraw you.
You have access to this savings account whenever you need it. If something big comes up that you need a few extra dollars for, just send a text and your money will be sent right back to your main checking account. Very simple. The app is free for the first 100 days but then it’s $2.99 a month afterwards.